Asset Allocation Fund Doc

1
Refer disclaimers on page 27.

HDFC Asset Allocator Fund of Funds
Contact your Mutual Fund Distributor or Registered Investment Adviser today,
or give a missed call on 7397412345.
• Investment predominantly in equity oriented, debt oriented and
Gold ETF schemes.
• Capital appreciation over long term
*Investors should consult their ﬁnancial advisers, if in
doubt about whether the product is suitable for them.
#For latest riskometer, investors may refer to the Monthly Portfolios disclosed on the website of the Fund viz.
www.hdfcfund.com
HDFC Asset Allocator Fund of Funds (An open ended Fund of
Funds scheme investing in equity oriented, debt oriented and gold
ETFs schemes) is suitable for investors who are seeking*
Riskometer #

Why Asset Allocation ?
On an average, 90 percent of the
variability of returns and 100 percent
of the absolute level of return is
explained by Asset Allocation
- Roger Ibbotson
2

3
Source:- MFI, Data from April 1, 1998 to July 31, 2022.
Equity : Offers Returns with Volatility
Equities have the potential to create Long Term Wealth but the journey is volatile
NIFTY 50 - Weath Creation Journey
0
2000
4000
6000
8000
10000
12000
14000
16000
18000
20000
Mar-98
Jul-98
Nov-98
Mar-99
Jul-99
Nov-99
Mar-00
Jul-00
Nov-00
Mar-01
Jul-01
Nov-01
Mar-02
Jul-02
Nov-02
Mar-03
Jul-03
Nov-03
Mar-04
Jul-04
Nov-04
Mar-05
Jul-05
Nov-05
Mar-06
Jul-06
Nov-06
Mar-07
Jul-07
Nov-07
Mar-08
Jul-08
Nov-08
Mar-09
Jul-09
Nov-09
Mar-10
Jul-10
Nov-10
Mar-11
Jul-11
Nov-11
Mar-12
Jul-12
Nov-12
Mar-13
Jul-13
Nov-13
Mar-14
Jul-14
Nov-14
Mar-15
Jul-15
Nov-15
Mar-16
Jul-16
Nov-16
Mar-17
Jul-17
Nov-17
Mar-18
Jul-18
Nov-18
Mar-19
Jul-19
Nov-19
Mar-20
Jul-20
Nov-20
Mar-21
Jul-21
Nov-21
Mar-22
Jul-22

Asset Class winners change over time
Source:- www.niftyindices.com, World Gold Council, Data from April 3, 1998 to July 29, 2022. *Upto 14th January 2020. All returns are compounded annual in nature, unless specified otherwise. $Absolute
Returns used as period less than a year. COVID-19 Correction considered from January 14, 2020 to March 23, 2020 as market bottomed that day. Post Correction Rally from 23rd March 2020 to 31st January
2022. Start of geopolitical tensions is considered from February 1, 2022 as markets have seen a fall from that date. Recent Correction observed from June 17, 2022. Classification of periods as per internal
HDFC AMC classification. Data used for asset classes: Equity – NIFTY 50, Debt – NIFTY 10-year Benchmark GSec, Gold – Spot Rate INR/10 Grams. The Scheme proposes to invest in gold ETF schemes and
hence is impacted by the price of gold. Comparison with Gold has been given solely for the purpose of understanding and illustrative purposes.
4
Market Events
14%
-14%
37%
7% 8%
11%
-38%
57%
-10%
12%
16%
20%
5% 5%
8%
5% 3% 3%
-1%
2%
0%
10%
19% 20%
4%
11%
7% 8% 7%
-3%
-50%
-40%
-30%
-20%
-10%
0%
10%
20%
30%
40%
50%
60%
70%
FY 98-00
(Tech Bubble)
FY 00-03 (Tech Bubble
Meltdown)
FY 03-08
(Economic Boom)
FY 08-11
(Sub-Prime
Crisis/Eurozone crisis)
FY 11-17
(Post Crisis)
FY 17-20* (Market
Recovery)
COVID-19 Correction
$
Post-Correction Rally Geopolitical Tensions $Correction - Moderating
Commodity Prices,
Easing of Supply Chain
Disruptions $
Equity Debt Gold

5
Even within Equities –
Different Market Caps perform at different times
Out of 17 Fiscal years since FY06, Small cap
has been the best performing category in
8 Out of 17 instances. Large cap and Mid
cap have been the best performing asset
classes in 6 and 3 years respectively.
Source: MFI Explorer. FY23FYTD: March 31, 2022 to July 31, 2022. Data as on July 31, 2022.
Data used for asset classes: Large Cap – NIFTY 100 TRI, Mid Cap – NIFTY Midcap 150 TRI , Small Cap – NIFTY Small Cap 250 TRI
2005-2006
2006-2007
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012
2012-2013
2013-2014
2014-2015
2015-2016
2016-2017
2017-2018
2018-2019
2019-2020
2020-2021
2021-2022
FY23FYTD
Period Large Cap Mid Cap Small Cap
65%
14%
24%
-37%
85%
11%
-8%
9%
20%
31%
-7%
23%
12%
14%
-25%
71%
21%
-1%
75%
-1%
21%
-49%
136%
5%
-5%
4%
18%
60%
-2%
37%
17%
-1%
-30%
102%
25%
1%
79%
12%
31%
-55%
141%
1%
-9%
-5%
23%
63%
-6%
41%
13%
-12%
-40%
119%
37%
-7%
6
3
8
Large Cap
Mid Cap
Small Cap
3
11
3
8
3
6
Rank 1 Rank 2 Rank 3
*As on March 31, 2022.

6
Equity returns are relatively more
volatile vis-à-vis debt and gold.
Source:- Bloomberg. World Gold Council Data for 24 fiscal years. 1st
April 1998 to July 31, 2022. Data used for asset classes: Equity-NIFTY 50, Debt-NIFTY 10 year benchmark G Sec, Gold-Spot
Rate INR/10 Grams. Standard Deviation % of Daily returns considered. The Scheme proposes to invest in gold ETF schemes and hence is impacted by the price of gold. Comparison with
Gold has been given solely for the purpose of understanding and illustrative purposes
Different Asset Classes have different risk profile
Annualized Standard Deviation (%)
19.2%
15.2%
5.0%
0%
5%
10%
15%
20%
25%
Equity Gold Debt

Hence….. Asset Allocation
Asset Allocation may lead to better risk- adjusted returns
- Michael LeBoeuf
The most important key to
successful investing can be
summed up in just two
words – Asset Allocation
7

Asset Allocation and its Benefits
Each asset class behaves differently across different economic cycles
It reduces dependency on a single asset class to generate returns.
Mitigates volatility of portfolio returns
Determine financial goals
Ascertain risk appetite
Determine optimal asset allocation
Invest in different asset classes directly and rebalance portfolio periodically
Asset Allocation refers to distributing your investible surplus across various asset classes
according to risk tolerance, risk appetite and investment time frame.
01
Why Asset allocation is crucial?
How can investors implement asset allocation?
8
Invest in an Asset Allocation mutual fund
or
The difference between success and failure is not which stock you buy or which piece of real estate you
buy, its asset allocation- Tony Robbins

Correlation and diversification
Source:- Bloomberg. Data for over 24 fiscal years. April 1998 to July 2022.
Data used for asset classes: Equity-NIFTY 50, Debt-NIFTY 10 year benchmark G Sec, Gold-Spot Rate INR/10 Grams)
The Scheme invests in gold ETF schemes and hence is impacted by the price of gold. Comparison with Gold has been given solely for the purpose of understanding and illustrative purposes.
Combining assets with low
correlation, could help investors in
reducing risk and may offer benefits
of optimal returns.
Since April 1998
Asset correlation is a measure of how asset classes
move in relation to one another over a period of time.
Correlation coefficient can range from -1 to +1. When
assets move in the same direction at the same time,
they are considered to be positively correlated. When
one asset tends to move up and when the another
goes down, the two assets are considered to be
negatively correlated.
Daily 1 year rolling returns since April 1998 exhibit
negative correlation between Equity, Debt and Gold.
Low/negative correlation between these asset classes
creates a strong case for diversification and thereby
reduce risk in the portfolio.
1
-0.26
-0.08
Equity
Debt
Gold
-0.26
1
-0.07
-0.08
-0.07
1
Equity Gold
Debt
9
*As on July 31, 2022

Asset Class winners change over time
Power of Asset Allocation
FPI Flows Rs crs
Lets consider the CAGR growth of an investment from 1st
April
1998 to 31st
March 2022, along with the volatility of returns over
that period
Gold and Equity performed better than Debt in terms of returns
while debt had the lowest volatility.
Source:- www.niftyindices.com , World Gold Council. Data for last 25 fiscal years from April 2002 to July 2022. Returns are
compounded annual in nature. Data used for asset classes: Equity – NIFTY 50, Debt – NIFTY 10-year Benchmark GSec, Gold
– Spot Rate INR/10 Grams. Monthly portfolio rebalancing assumed. Standard Deviation calculated using daily returns. The
above analysis is based on back-testing of the above mentioned asset classes. HDFC Mutual Fund/AMC is not
guaranteeing future returns of these asset classes. The Scheme proposes to invests in gold ETF schemes and hence is
impacted by the price of gold. Comparison with Gold has been given solely for the purpose of understanding and
illustrative purpose. The above combinations are for illustrative purpose. Investors are requested to take professional
advice while making investment decisions.
Outcome of the investment over ~2 decades?
Yes, a combination of Equity, Debt and Gold (60%,30%,10%
respectively) would have yielded returns slightly lower than equity
returns but with much lower volatility , thereby underlining the
importance of asset class diversification.
10
However, could you have got a better deal for your investments?
How the numbers stack up?
Individual Asset Classes
Asset Allocation
14.27%
6.17%
11.68%
19.2%
5.0%
15.2%
0%
5%
10%
15%
20%
25%
Equity Debt Gold
CAGR Returns Volatility (%)
10.90%
12.61%
14.09%
8.3%
11.7%
15.3%
0%
2%
4%
6%
8%
10%
12%
14%
16%
18%
40E+50D+10G 60E+30D+10G 80E+10D+10G
CAGR Returns Volatility (%)

Asset Allocation by Investors not always
determined by valuations
*FY23FYTD: March 31, 2022 to July 31, 2022
MF Industry Equity Sales based on AMFI
Returns Based on NIFTY 50 Index. Returns are CAGR as return period shown are more than 1 year.
Investments made without considering
valuation may lead to suboptimal future
returns.
Valuation
Range
PE20
PE20
74,714
708,041
18.75%
6.43%
Cumulative Net Investments
into Equity MFs (in INR Cr)
Average Next
2 years returns
11
Financial
Year
Net Investments
into Equity MFs
(in INR Cr)
12 M
Trailing PE
Next 2 Years
Returns
PB
5.15
4.87
5.09
2.5
3.7
3.7
3.01
3.01
3.23
3.65
3.1
3.5
3.42
3.71
2.45
4.17
4.46
4.03
20.26
18.4
20.63
14.29
22.33
22.14
18.71
17.57
18.86
22.7
20.89
23.26
24.66
29.01
19.38
33.2
22.92
19.50
50,880
28,716
49,360
4,084
1,181
(11,795)
504
(14,371)
(11,254)
80,793
85,086
93,502
240,311
118,723
67,035
(62,689)
267,935
78,345
FY: 05-06
FY: 06-07
FY: 07-08
FY: 08-09
FY: 09-10
FY: 10-11
FY: 11-12
FY: 12-13
FY: 13-14
FY: 14-15
FY: 15-16
FY: 16-17
FY: 17-18
FY: 18-19
FY: 19-20
FY: 20-21
FY: 21-22
FY23FYTD*
17.93%
-11.06%
5.29%
38.96%
0.44%
-1.31%
12.50%
22.15%
7.43%
3.94%
14.38%
12.60%
-7.76%
12.37%
42.52%

So what is the solution ?
Systematic
Process Driven
Asset
Equity, Debt or Gold ?
Large cap, Mid Cap or
Small Cap ?
Frequency of
Rebalancing ?
Whether Asset Allocation
is Tax Efficient ?
Simple solution
to all these
investment
questions
12

Presenting
HDFC
Asset Allocator
Fund of Funds
A Systematic Process driven approach to
Asset Allocation
13

HDFC Asset Allocator Fund of Funds - Asset Allocation
Units of Domestic
Mutual Funds
Schemes
95%-100%
Equity Oriented Schemes* (40-80%)
Gold ETF Schemes*** (10-30%)
Debt Oriented Schemes** (10-50%)
14
Equity Oriented schemes of HDFC Mutual Fund or other Domestic Mutual Funds having similar objectives, strategy, asset allocation and other attributes. **Debt Oriented schemes of HDFC Mutual
Fund or other Domestic Mutual Funds having similar objectives, strategy, asset allocation and other attributes. ***HDFC Gold ETF and/or other schemes of HDFC Mutual Fund or other Domestic
Mutual Funds having similar objectives, strategy, asset allocation and other attributes. For complete details, please refer to Scheme Information Document.
*

Equity Allocation: Model driven asset allocation
HDFC Mutual Fund/AMC is not guaranteeing returns on investments made in this scheme. The proposed investment strategy is subject to change depending on the market conditions. TTM- Trailing 12
Months, PE – Price/ Earnings, PB – Price/ Book Value, Earnings Yield = Trailing 12 M Earnings per share/ Market price per share, G Sec Yield = 10 Yr G Sec. Depending on the market and other conditions,
the asset allocation may or may not be based on the model.
Factors considered by the
model include 1) TTM PE,
2) 1 Year Forward PE, 3) TTM
PB 4) Earnings Yield/ G-Sec
Yield
Model will indicate the % of
equity allocation on the basis
of back testing results
Portfolio will be rebalanced
on a monthly basis
15
0
2,000
4,000
6,000
8,000
10,000
12,000
14,000
16,000
40%
45%
50%
55%
60%
65%
70%
75%
80%
85%
D
e
c
-
0
5
A
u
g
-
0
6
M
a
y
-
0
7
F
e
b
-
0
8
O
c
t
-
0
8
J
u
l
-
0
9
A
p
r
-
1
0
J
a
n
-
1
1
S
e
p
-
1
1
J
u
n
-
1
2
M
a
r
-
1
3
D
e
c
-
1
3
A
u
g
-
1
4
M
a
y
-
1
5
F
e
b
-
1
6
N
o
v
-
1
6
J
u
l
-
1
7
A
p
r
-
1
8
J
a
n
-
1
9
O
c
t
-
1
9
J
u
n
-
2
0
M
a
r
-
2
1
NIFTY
50
Levels
%
of
Net
Assets
Alloca�on to Equity (% of Net Assets) (LHS) NIFTY 50 (RHS)
Historical Asset Allocation range indicated by the model
Post GFC trough
Pre GFC peak
COVID-19 led correc�on

Equity Allocation % indicated by model during
key market events
GFC – Global Financial Crisis
Period upto 31 March, 2021. HDFC Mutual Fund/AMC is not guaranteeing returns on investments made in this scheme. The proposed investment strategy is subject to change depending on the
market conditions. The above data is just to indicate the key market events and resultantly higher and lower end of the equity allocation indicated by the model. For illustrative purposes only.
Based on valuations, the financial model indicated an reasonably optimal equity
allocation during key events as under:
Pre GFC peak
Post GFC trough
Post GFC recovery
Eurozone Debt Crisis
Mid and Small Cap Rally
COVID-19 led correction
Nov’07
Oct’08
Oct’09
Sep’11
Sep’18
Apr’20
5763
2886
4712
4943
10930
9860
47%
80%
46%
80%
46%
78%
-52%
63%
28%
15%
5%
49%*
Events Month end
NIFTY 50
Level
Equity
Allocation %
Next 1 Year
NIFTY Returns
16
*

Debt Allocation Strategy
17
Debt portfolio aims to play the role of reducing volatility while generating reasonable returns
Background:
To invest, predominantly, in schemes with exposure, mostly, to issuers with high credit quality
Controlled interest rate risk
Generally debt portfolio duration would be in the range of 1 - 3 years
However, in case the interest rates are very low or very high in the judgement of the fund manager,
then the duration may be beyond this range
Strategy:
Of the Debt allocation. #Debt Oriented schemes of HDFC Mutual Fund. For complete details, please refer to Scheme Information Document. The proposed investment strategy is subject to
change depending on the market conditions.
Overnight, Liquid, Ultra Short, Low Duration, Short
Duration, Medium duration, Medium to long
duration, Long Duration categories of MF Schemes
Duration based allocation (75%-100%)*#
All other categories of Debt oriented MF
Schemes
Sectoral/Thematic allocation (0-25%)*#
*

Gold Allocation to act as hedge
Returns from Gold in domestic currency terms (INR)
are a function of :
Gold prices in USD
Currency fluctuation of INR vs USD (INR Depreciation
increases Returns from Gold and vice versa)
Taxes duties as levied by government
Gold acts not only as a safe haven asset, but also as
a hedge against currency depreciation and inflation.
18
The Scheme will invest in Gold ETFs, which invest in gold.

Allocation within Equities
Equity Oriented schemes of HDFC Mutual Fund. #of the Equity Allocation. $Market Cap Based. For complete details, please refer to Scheme Information Document. The proposed
investment strategy is subject to change depending on the market conditions.
Equity Oriented Schemes* (40%-80%)
Base Allocation#$
75%-100%
Large Cap, Mid Cap,
Small cap and Flexi
Cap categories of
MF Schemes
Tactical Allocation#
0-25%
All other categories
of MF Schemes
19
*

Base Allocation within Equity : Model driven asset
allocation
HDFC Mutual Fund/AMC is not guaranteeing returns on investments made in this scheme. The proposed investment strategy is subject to change depending on the market conditions.
TTM- Trailing 12 Months, PE – Price/ Earnings. Depending on the market and other conditions, the asset allocation may or may not be based on the model.
Factors considered by the
model include 1) TTM PE,
2) 1 Year Forward PE
Model will indicate the % of
Midcap Smallcap
allocation, devised on the
basis of back testing results
Portfolio will be rebalanced
on a quarterly basis (In
Respect of Market Cap)
20
Historical Asset Allocation range indicated by the model
0
5,000
10,000
15,000
20,000
25,000
0.0%
10.0%
20.0%
30.0%
40.0%
50.0%
60.0%
70.0%
80.0%
90.0%
Dec-11
Mar-12
Jun-12
Sep-12
Dec-12
Mar-13
Jun-13
Sep-13
Dec-13
Mar-14
Jun-14
Sep-14
Dec-14
Mar-15
Jun-15
Sep-15
Dec-15
Mar-16
Jun-16
Sep-16
Dec-16
Mar-17
Jun-17
Sep-17
Dec-17
Mar-18
Jun-18
Sep-18
Dec-18
Mar-19
Jun-19
Sep-19
Dec-19
Mar-20
Jun-20
Sep-20
Dec-20
Mar-21
NIFTY
Midcap
Levels
%
of
Net
Assets
Alloca�on to Midcap Smallcap (% of Net Assets) (LHS) NIFTY Midcap (RHS)
Post GFC Recovery
Midcap Smallcap Rally
COVID-19 led correc�on

Base Equity Allocation % indicated by model during
key market events
GFC – Global Financial Crisis
Period upto 30 June 2021. HDFC Mutual Fund/AMC is not guaranteeing returns on investments made in this scheme. The current investment strategy is subject to
change depending on the market conditions. The above data is just to indicate the key market events and resultantly higher and lower end of the base allocation
indicated by the model. For illustrative purposes only.
Based on valuations, the financial model has indicated an optimal equity allocation during
key events as under:
Post GFC Recovery
Mid and Small Cap Rally
COVID-19 led correction*
Dec’11
Apr’17
Apr’20
80%
20%
80%
4.60%
-15.70%
46.7%*
Events Month end
Midcap Smallcap
Allocation %
Outperformance of average returns of Midcap
Smallcap over NIFTY 50 in Next 3 Years
21
*

Protection during Market Corrections
HDFC Mutual Fund/AMC is not guaranteeing returns on investments made in this scheme. The proposed investment strategy is subject to change depending on the market conditions. Period of
cumulative 3 months with negative returns of less than -5% for NIFTY 50 has been considered to show the downward protection via proposed asset allocation model. Returns are absolute.
22
Whenever 3 month cumulative
returns of NIFTY 50 corrected more
than 5%, model based returns fall
in most of the instances was lower.
Out of 18 downward periods under
consideration, the asset allocation
model in 16 instances managed to
offer protection.
May-12
Aug-13
Apr-15
May-15
Aug-15
Oct-15
Jan-16
Feb-16
Nov-16
Dec-16
Oct-18
Nov-18
Jul-19
Aug-19
Feb-20
Mar-20
Apr-20
May-20
-5.7%
-10.4%
-2.8%
-1.3%
-2.3%
-1.2%
-3.6%
-7.9%
-4.3%
-5.3%
-2.0%
-3.0%
0.0%
-0.2%
1.3%
-20.0%
-11.4%
-10.2%
-8.7%
-8.8%
-7.2%
-5.2%
-5.4%
-5.4%
-6.3%
-12.3%
-6.5%
-5.0%
-8.5%
-6.7%
-5.3%
-7.7%
-7.1%
-31.3%
-14.9%
-11.4%
3.1%
-1.5%
4.4%
3.9%
3.1%
4.2%
2.7%
4.4%
2.1%
-0.3%
6.5%
3.7%
5.3%
7.4%
8.5%
11.3%
3.5%
1.2%
65%
118%
39%
25%
42%
23%
58%
64%
67%
106%
23%
45%
1%
3%
NA
64%
77%
90%
Nifty (B) Difference
(A-B)
3 Month Cumulative Returns
Downside
Capture Ratio
(A/B)
Model based Asset
Allocation (A)
Month End
Based on valuations, the financial model indicated a reasonably optimal asset allocation
Resultantly during periods of market correction, downside was protected.

Why HDFC Asset Allocator Fund of Funds ?
Timing the market for various asset classes is difficult
Lack of diversification leads to higher volatility of returns
Combining negatively correlated/ less correlated asset classes
reduces portfolio risk
HDFC Asset Allocator Fund of Funds could be considered as
an option to meet diversified asset allocation needs of
investors
Active asset allocation with periodic review and rebalancing
Aims to generate better risk adjusted returns
Debt taxation with indexation benefits
You should have a strategic asset allocation mix that assumes that you don't know what the future is
going to hold- Ray Dalio
23
Note: Investors in the Scheme shall bear the recurring expenses of the Scheme in addition to the expenses of other schemes in which Fund of Funds scheme makes
investment (subject to regulatory limits). For complete risk factors and Scheme details, refer Scheme Information Document

24
Fund Facts
FPI Flows Rs crs
Portfolio Classification by Asset Class (% to Net Assets)
HDFC Flexi Cap Fund - Direct Plan- Growth Option
HDFC Top 100 Fund - Direct Plan - Growth Option
HDFC Capital Builder Value Fund - Direct Plan - Growth Option
HDFC Large and Mid Cap Fund - Direct Plan- Growth Option
HDFC Dividend Yield Fund - Direct Plan - Growth Option
HDFC Small Cap Fund - Direct Plan- Growth Option
HDFC Mid Cap Opportunities Fund - Direct Plan - Growth Option
HDFC Short Term Debt Fund - Growth Option - Direct Plan
HDFC Low Duration Fund - Direct Plan - Growth Option
HDFC Floating Rate Debt Fund - Direct Plan - Growth Option
HDFC Gold Exchange Traded Fund
Debt Oriented Schemes
Equity Oriented Schemes
Gold ETF
Total
Cash, Cash Equivalent and Net Current Assets
Portfolio (As on July 31, 2022) % to Net Assets
17.29
17.15
4.04
4.26
4.15
4.29
4.41
14.17
13.10
3.90
11.56
98.32
1.68
As on July 31, 2022.
For complete portfolio details refer to www.hdfcfund.com
Equity Oriented Schemes Debt Oriented Schemes
Gold ETF Cash and Cash Equivalent
and Net Current Assets
2.59%
32.00%
53.42%
1
1
.
9
9
%
Debt Statistics
Average Maturity in Years
Modified Duration in Years
Macaulay Duration in Years
YTM %
2.94
1.26
1.40
6.61%
As on July 31, 2022

Fund Facts
Investment Objective
Type of Scheme An open ended Fund of Funds scheme investing in equity oriented, debt oriented and gold ETF schemes
To seek capital appreciation by managing the asset allocation between equity oriented, debt oriented and gold ETF schemes.
There is no assurance that the investment objective of the Scheme will be realized.
Mr. Srinivasan Ramamurthy (Equity oriented schemes), Mr Anil Bamboli (Debt oriented Schemes), Mr. Krishan Kumar Daga and
Mr. Bhagyesh Kagalkar (Gold ETFs)
Direct Plan
Regular Plan
Under Each Plan: Growth Payout of Income Distribution Cum Capital Withdrawal (IDCW) option and Re-investment of
Income Distribution Cum Capital Withdrawal (IDCW) Option
Purchase: Rs. 100 (effective 05th Sep 2022) and any amount thereafter
Additional Purchase: Rs. 100 (effective 05th Sep 2022) and any amount thereafter
90% NIFTY 50 Hybrid Composite Debt 65:35 TR Index + 10% Domestic Price of Gold arrived at based on London Bullion Market
Association's (LBMA) AM fixing price
Fund Manager
Plans
Options
Minimum Application
Amount (Under Each Plan/
Option)
Load Structure
Benchmark Index
Entry Load
Exit Load
In respect of each purchase / switch-in of Units, 15% of the units (“the limit”) may be
redeemed without any Exit Load from the date of allotment.
Any redemption in excess of the above limit shall be subject to the following exit load:
Exit Load of 1.00% is payable if units are redeemed / switched out within 1 year from the date of allotment.
No Exit Load is payable if units are redeemed / switched out after 1 year from the date of allotment.
In case of Systematic Transactions such as SIP, GSIP, STP, Flex STP, Swing STP, Flex index; Exit Load, if any, prevailing on the date of
registration / enrolment shall be levied.
Not Applicable.
25

Units of domestic Mutual Fund Schemes as under:
Equity Oriented Schemes*
Debt Oriented Schemes**
Gold ETF Schemes***
Debt Securities Money Market Instruments
95
40
10
10
0
100
80
50
30
5
Low to High
Low to Medium
Medium to High
Low to Medium
Type of Instruments
Minimum Allocation
(% of Total Assets)
Maximum Allocation
(% of Total Assets)
Risk Profile of
the Instrument
Under normal circumstance, the asset allocation of the scheme’s portfolio will be as follows
26
Asset Allocation
*
**
***
Equity Oriented schemes of HDFC Mutual Fund or other Domestic Mutual Funds having similar objectives, strategy, asset allocation and other attributes.
Debt Oriented schemes of HDFC Mutual Fund or other Domestic Mutual Funds having similar objectives, strategy, asset allocation and other attributes.
HDFC Gold ETF and/or other schemes of HDFC Mutual Fund or other Domestic Mutual Funds having similar objectives, strategy, asset allocation and other attributes
For complete details, please refer to Scheme Information Document

This presentation dated September 5, 2022 has been prepared by HDFC Asset Management Company Limited (HDFC AMC) based on internal data, publicly available
information and other sources believed to be reliable. Any calculations made are approximations, meant as guidelines only, which you must confirm before relying on
them. The information contained in this document is for general purposes only and not an investment advice. The document is given in summary form and does not
purport to be complete. The document does not have regard to specific investment objectives, financial situation and the particular needs of any specific person who
may receive this document. The information/ data herein alone are not sufficient and should not be used for the development or implementation of an investment
strategy. The statements contained herein are based on our current views and involve known and unknown risks and uncertainties that could cause actual results,
performance or events to differ materially from those expressed or implied in such statements. The information herein is based on the assumption that disruption due
to COVID-19, if any, will be limited in FY22. However, if impact of COVID-19 is significant in FY22 also, various scenarios presented in this slide may not hold good. Past
performance may or may not be sustained in future. Stocks/Sectors referred in the presentation are illustrative and should not be construed as an investment advice or
a research report or a recommended by HDFC Mutual Fund / AMC. The Fund may or may not have any present or future positions in these sectors. HDFC Mutual
Fund/AMC is not guaranteeing / offering / communicating any indicative yield on investments made in the scheme(s). The data/statistics are given to explain general
market trends in the securities market, it should not be construed as any research report/research recommendation. Neither HDFC AMC and HDFC Mutual Fund nor any
person connected with them, accepts any liability arising from the use of this document. The recipient(s) before acting on any information herein should make
his/her/their own investigation and seek appropriate professional advice and shall alone be fully responsible / liable for any decision taken on the basis of information
contained herein.
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,
READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.
Disclaimer Risk Factors
27

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